Victory Mortgage at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
73rd4.9% deniedPricingmedian rate spread over APOR, weight 30%
96th-0.38 ptsProcesswithdrawn + incomplete share, weight 15%
64th14.3%Closing coststotal loan costs ÷ loan amount, weight 10%
92nd0.89% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 2,564 | 1,881 | 5.4% | 6.9% | 6.00% | $695M |
| 2024 | 3,083 | 2,487 | 4.2% | 4.9% | 6.00% | $903M |
| 2025 | 3,119 | 2,542 | 4.2% | 4.9% | 6.00% | $972M |
What Victory Mortgage lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 119 investment properties.
Why Victory Mortgage denies applications
Primary reason reported for each of the 131 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Victory Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 51 | 28 | 31.7% |
| $50k – $100k | 749 | 609 | 6.5% |
| $100k – $150k | 1,035 | 863 | 4.4% |
| $150k – $250k | 916 | 749 | 3.2% |
| Over $250k | 358 | 290 | 2.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 160 | 141 | 3.4% |
| 25–34 | 844 | 722 | 4.6% |
| 35–44 | 860 | 673 | 5.2% |
| 45–54 | 539 | 442 | 5.6% |
| 55–64 | 443 | 354 | 4.1% |
| 65–74 | 202 | 162 | 5.3% |
| Over 74 | 71 | 48 | 7.7% |
Where Victory Mortgage lends
9 states and 63 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Victory Mortgage denied 4.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 73rd percentile of mid-size mortgage lenders.
The most common reason Victory Mortgage gave in 2025 was "debt-to-income ratio", cited on 52.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Victory Mortgage originated in 2025 was 6.00%, and its median rate spread over the average prime offer rate was -0.38 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 96% of its applications were for home purchases, 4% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 70% conventional, 20% FHA, 10% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.